profit from every $100 of sales.
$0$100
Universal Insurance Holdings
$48.13-0.06% today
+37.6% in 1 year
1-year low $28.851-year high $49.03
Trading close to its highest price of the past year.
The essentials
Four questions every investor asks, answered in one line each.
more sales each year, on average, 2022 to 2025.
0%20% a year
You pay $7.28 for every $1 of profit it makes in a year.
CheapExpensive
Not measured for banks and insurers: deposits and policy reserves count as debt, so the usual debt test says nothing about them.
Money in, money out
What Universal Insurance Holdings sold, what it kept, and what it did with the cash.
Sales went from $1.22 billion in 2022 to $1.60 billion in 2025, with $183 million of profit last year.
SalesProfit
Universal Insurance Holdings handed back 12% of the cash it generated last year.
Buybacks $22M$22M
Free cash flow 2025$377M
Bought back its own shares$22M
Paid as dividends$22M
Cash vs. debt$409M vs. $100M
Universal Insurance Holdings vs. similar companies
Universal Insurance Holdings grows in the middle of these 5 and is the cheapest for its profits.
| Company | Profit from $100 of sales | Sales growth a year | Price per $1 of profit |
|---|---|---|---|
| Universal Insurance Holdings | 7.3× · Cheap | ||
 Chubb | 13.7× · Cheap | ||
 The Progressive | 12.0× · Cheap | ||
 Tokio Marine Holdings | 15.8× · Fair price | ||
 The Travelers Companies | 13.0× · Cheap |
AI analysis
An AI analyst reads Universal Insurance Holdings's last five years, its segments, earnings, insiders and peers, and writes the bull case, the bear case and what the price expects.
Run the AI analysisFull statementsIncome, balance sheet and cash flow, year by year
Income statement
| In millions of USD | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|
| 1,223 | 1,392 | 1,521 | 1,604 | |
| – | – | – | – | |
| – | – | – | – | |
| -14 | 101 | 96 | 255 | |
| -22 | 67 | 59 | 183 | |
| -0.72 | 2.22 | 2.01 | 6.32 | |
| – | – | – | – | |
| – | – | – | – | |
| -1.8% | 4.8% | 3.9% | 11.4% |
Balance sheet
| In millions of USD | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|
| Total assets | 2,890 | 2,317 | 2,842 | 2,840 |
| Cash | 389 | 397 | 259 | 409 |
| Total debt | 103 | 102 | 101 | 100 |
| Total liabilities | 2,602 | 1,975 | 2,469 | 2,289 |
| 288 | 341 | 373 | 551 | |
| 31 | 30 | 29 | 29 | |
| -4.3% | 16.8% | 15.0% | 30.2% | |
| -7.7% | 19.6% | 15.8% | 33.2% |
Cash flow
| In millions of USD | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|
| 325 | 71 | 137 | 381 | |
| 5 | 4 | 7 | 4 | |
| 320 | 67 | 130 | 377 | |
| Dividends paid | 24 | 23 | 22 | 22 |
| 12 | 22 | 22 | 22 | |
| 5 | 3 | 8 | 9 |
This is a bank or insurer, so cash-flow and debt ratios are left out: borrowing and lending is the business itself. Price to book and return on equity are the measures that matter here.
Valuation
- 7.3×
- 11.0×
- –
- 1.9×
- 0.8×
- 13.7%
- 2.0%
Profitability
- 11.4%
- 26.9%
- 10.6%
- 37.5%
- 7.1%
Growth
- +9.5%
- –
- +0.0%
- −2.8%
How it ranks in Financial Services
Each dot is where the company stands among every company over $300M in the sector. Further right is better.
Top 4%of 855
Bottom 35%of 741
Top 14%of 861
Top 47%of 860
Top 6%of 919
What analysts expect
- Average price target
- $40.00
- Range
- $40.00 – $40.00
These targets were collected on May 20, 2026 and our analyst feed has not updated since, so we no longer compare them with today's price.
Recent earnings
Our results feed has not updated since May 21, 2026. Results reported after that are not in this table yet.
| Date | EPS | Expected | Surprise |
|---|---|---|---|
| Apr 23, 2026 | 2.00 | 1.39 | +43.9% |
| Feb 24, 2026 | 2.17 | 1.30 | +66.9% |
| Oct 23, 2025 | 1.36 | 1.10 | +23.6% |
| Jul 24, 2025 | 1.23 | 1.09 | +12.8% |
| Apr 24, 2025 | 1.44 | 1.12 | +28.6% |
| Feb 25, 2025 | 0.25 | 0.09 | +177.8% |
| Oct 24, 2024 | -0.73 | -1.03 | +29.1% |
| Jul 25, 2024 | 1.18 | 1.02 | +15.7% |
2.0%of the share price, paid each year
On $1,000 invested$20a year at today's yield, before tax
+0.0%2020 to 2025
Raised–not every year
Paid per share, each year
$0.63 in 2015 → $0.77 in 2025
How safe it looks
12.1% of its profit
Room to growStretchedMore than it earns: 5.9%
News
Universal Logistics GAAP EPS of $0.69 beats by $0.37, revenue of $394.05M beats by $3.65MSeeking Alpha · Oct 29, 2026Universal Display expects full-year revenue toward low end of $630M-$670M range as OLEDX and NovaJet launchSeeking Alpha · Oct 28, 2026Why Is Universal Health Services (UHS) Up 5.7% Since Last Earnings Report?Yahoo Finance · Aug 26, 2026Universal Logistics (ULH): Buy, Sell, or Hold Post Q2 Earnings?Yahoo Finance · Aug 15, 2026Insider trades
Our insider feed has not updated since May 26, 2026. Trades filed after that are not listed yet.
No insider trades on file.
The seven classic investing rulebooks
5/7Passes 5 of 7. Each bar is how well the company fits that investor's published rules, from 0 to 100; 60 or more counts as a pass.
Warren Buffett
69Pass
Benjamin Graham
58No pass
Philip Fisher
58No pass
Peter Lynch
64Pass
Joel Greenblatt
80Pass
Charlie Munger
67Pass
Terry Smith
60Pass
Questions about Universal Insurance Holdings
Is Universal Insurance Holdings a good stock to buy?
A solid business, and the price looks low. 5 of the 7 famous investors' published rulebooks we apply pass it. Whether it suits you depends on your goals and the price you pay; invest-like never tells anyone to buy or sell. The AI analysis lays out the case for and against. Read the Universal Insurance Holdings AI analysis
What does Universal Insurance Holdings do?
Universal Insurance Holdings, Inc., together with its subsidiaries, operates as an integrated insurance holding company in the United States. It is in Insurance - Property & Casualty.
Does Universal Insurance Holdings pay a dividend?
Yes. At today's price the dividend is 2.0% a year, about 12% of its yearly profit. In 2025 it paid out $22.2 million in dividends.
Is Universal Insurance Holdings stock halal?
No. Universal Insurance Holdings does not pass our halal screen: its main business, conventional insurance, is not permitted. How we check
How has Universal Insurance Holdings stock done over the past year?
Up 37.6% over the past twelve months, to $48.13. It traded between $28.85 and $49.03, close to its high.
Who are Universal Insurance Holdings's competitors?
The largest listed companies in the same industry are Chubb, The Progressive, Tokio Marine Holdings and The Travelers Companies. The peers table on this page compares their profit, growth and price with Universal Insurance Holdings's.
Prices: daily closes to Nov 11, 2026. Fundamentals: company reports via invest-like data.